Flex Space Feasibility Study in the Riverside-San Bernardino-Ontario, CA Metro Area
What SBA's own loan files show about nonresidential lessor (flex, office and retail investor buildings) lending in the Riverside-San Bernardino-Ontario, CA Metro Area, and what a feasibility study for a project there has to test.
Flex space loans in San Bernardino and Ontario at a glance
San Bernardino and Ontario reports FY2017 to FY2026 approvals: 28 flex space loans, $38.2 million gross. On flex space, San Bernardino and Ontario stands 9 of 312 among ranked areas. Within San Bernardino and Ontario, flex space is 20 of 39. San Bernardino and Ontario's quotient is 1.22x: flex space above the national share.
San Bernardino and Ontario size and franchise status
Loan size in San Bernardino and Ontario centres on $854,500, and its middle half runs between $414,800 and $1.8 million. San Bernardino and Ontario stands at 1.42x against the national class median. San Bernardino and Ontario loans run above the national middle. San Bernardino and Ontario shows no 7(a) count. San Bernardino and Ontario shows no 504 count either. San Bernardino and Ontario: too few loans back either count. San Bernardino and Ontario prints no franchise share. Too few San Bernardino and Ontario loans support one. San Bernardino and Ontario loans run larger. San Bernardino and Ontario borrowers carry a heavier payment, which San Bernardino and Ontario studies test.
San Bernardino and Ontario loan holders and counties
Holder in San Bernardino and Ontario: Enterprise Bank & Trust, 7 loans, $6.9 million, SBA 7(a). Listed San Bernardino and Ontario names are current holders, per SBA. San Bernardino and Ontario rows speak to files, not requirements. San Bernardino and Ontario borrowers see holders, not lenders. San Bernardino and Ontario, county by county: 16 in Riverside County, CA, and 12 in San Bernardino County, CA.
San Bernardino and Ontario years and flex space coding limits
San Bernardino and Ontario years print only in part. FY2018 brings San Bernardino and Ontario 5 loans, $9.8 million. FY2019 brings San Bernardino and Ontario 5 loans, $3.4 million. FY2020 brings San Bernardino and Ontario 0 loans, $0. FY2022 brings San Bernardino and Ontario 6 loans, $7.9 million. FY2025 brings San Bernardino and Ontario 0 loans, $0. FY2026 brings San Bernardino and Ontario 0 loans, $0. Other San Bernardino and Ontario years stay blank on thin counts. San Bernardino and Ontario blanks are silence, never zero, and San Bernardino and Ontario treats FY2026 as complete. San Bernardino and Ontario floors follow Loan Analytics' own rule. That San Bernardino and Ontario cohort holds fewer than 30 loans. The San Bernardino and Ontario cohort covers FY2017 to FY2021 disbursements. So San Bernardino and Ontario prints no cancellation floor. So San Bernardino and Ontario prints no charge-off floor. San Bernardino and Ontario's blank floor is no zero. San Bernardino and Ontario borrowers learn little from it. Any San Bernardino and Ontario rate that prints is a floor. San Bernardino and Ontario follows July 2023 boundaries. San Bernardino and Ontario places loans by project county. San Bernardino and Ontario drops loans lacking a placeable county. San Bernardino and Ontario note: San Bernardino and Ontario counts for flex space blend in lessors of office and retail properties and of banquet halls, as all of them sit under one shared code. In San Bernardino and Ontario the class nearly stops from FY2024: SBA views most lessor businesses as passive, hence ineligible, so a borrower should read the later years with that in mind.
San Bernardino and Ontario: what a study must prove
San Bernardino and Ontario flex space requests start from the $854,500 median, a first yardstick in San Bernardino and Ontario. We would test the San Bernardino and Ontario building's flexibility, meaning the office, warehouse and showroom uses it can really host. The appraisal in San Bernardino and Ontario turns on stabilized net operating income, and a study shows how it is supported tenant by tenant. A San Bernardino and Ontario study should show how much of the building the owner's own business will occupy, since that bears on eligibility. Daniel Smith, MAI, signs each San Bernardino and Ontario study. San Bernardino and Ontario demand and cost come first. In San Bernardino and Ontario, coverage follows, then the appraisal. No San Bernardino and Ontario approval is promised by any study.
SBA nonresidential lessor (flex, office and retail investor buildings) loans in the Riverside-San Bernardino-Ontario, CA Metro Area
| Loans approved, FY2017 to FY2026 | 28 |
|---|---|
| Gross dollars approved | $38.2 million |
| Median loan | $854,500 |
| Middle half of loans, from | $414,800 |
| Middle half of loans, to | $1.8 million |
| SBA 7(a) loans | withheld |
| SBA 504 loans | withheld |
| Franchise share of loans | withheld |
| Rank among metro and micro areas for nonresidential lessor (flex, office and retail investor buildings) loans | 9 of 312 |
| Rank of nonresidential lessor (flex, office and retail investor buildings) among the classes in this area | 20 of 39 |
| Location quotient (share of loans against the national share) | 1.22x |
| Median loan against the national median for the class | 1.42x |
Cancellation and charge-off
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | not reported: fewer than 30 loans in the cohort |
|---|---|
| Charged off to date, FY2017 to FY2021 disbursed loans (a floor) | withheld |
Both rates are floors. SBA withholds the status of open loans, so a loan counts as charged off only once SBA reports it; a rate needs at least 30 loans in its cohort and is otherwise not reported.
SBA nonresidential lessor (flex, office and retail investor buildings) loans approved in the Riverside-San Bernardino-Ontario, CA Metro Area, by fiscal year
| Fiscal year | Loans | Dollars |
|---|---|---|
| FY2017 | withheld | withheld |
| FY2018 | 5 | $9.8 million |
| FY2019 | 5 | $3.4 million |
| FY2020 | 0 | $0 |
| FY2021 | withheld | withheld |
| FY2022 | 6 | $7.9 million |
| FY2023 | withheld | withheld |
| FY2024 | withheld | withheld |
| FY2025 | 0 | $0 |
| FY2026 | 0 | $0 |
Most active SBA lenders
| Lender | Loans | Dollars |
|---|---|---|
| Enterprise Bank & Trust | 7 | $6.9 million |
Lenders with 5 or more loans here; a lender with fewer is not listed, and loans SBA or a receiver holds are counted but never listed as a lender.
Where the loans are, by county
| County | Loans |
|---|---|
| Riverside County, CA | 16 |
| San Bernardino County, CA | 12 |
Counties with 5 or more loans; smaller ones are not listed.
Metro is the CBSA (metropolitan or micropolitan statistical area) of the loan's project county, July 2023 delineation (OMB Bulletin 23-01). The county is matched by name (manifests/ld2/county-cbsa-map.csv); a loan whose county cannot be placed in a 2023 CBSA is left out of every metro.
Flex space cannot be separated from office or retail lessors. Nearly stops from FY2024.
Shared code: Flex, office, retail and banquet hall rental share 531120.
SBA lending in this class almost stops from FY2024: SBA treats most lessor businesses as passive and ineligible, so the record here is mostly older loans.
A value marked withheld rests on fewer than 5 loans, or is withheld so that such a figure cannot be derived from other published figures.
Source: U.S. Small Business Administration, 7(a) and 504 loan-level FOIA files (data.sba.gov), as of 2026-09-30; areas from the U.S. Census Bureau CBSA delineation, July 2023 (OMB Bulletin 23-01); Loan Analytics metro cell MA-40140-C09.
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Loan Analytics prepares the feasibility study a lender reads before it commits: for a nonresidential lessor (flex, office and retail investor buildings) project in the Riverside-San Bernardino-Ontario, CA Metro Area, financed under SBA 7(a), SBA 504, USDA Business and Industry or a conventional bank loan. Tell us the project and the lender's deadline, and we reply with scope, timeline and fee.
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